This means that the ownership/permissions of one of the directories in
the path up to /home/frozen is wrong. Implied is that it is possible for
non-root to substitute their own copy of /home/frozen/.login_conf
somehow. What's the output from:
ls -ld / /home
(Add /usr/home to that list if /home is a sym-link)
Is there anything unusual about how the filesystem is mounted?